Trina M Harding

• Screen calls and verify client eligibility for Non- emergency Medicaid Transportation services and validates transportation requests. Screening consist of EVS and MVA checks, demographic updates on Maryland Transportation database.

• Refer clients to appropriate programs including but not limited to Maryland Children’s Health Program (MCHP) and Administrative Care Coordination Unit (ACCU).

•Communicates courteously to clients and representatives.

• Works collaboratively with MATP program staff.

• Communicates effectively via email, Teams and phone.

• Works with Health Department Programs including but not limited to the Administrative Care Coordination Unit (ACCU), the Maryland Children’s Health Program (MCHP) and all other Howard County Health Department staff.

•Assists with training/shadowing of new employees.

• Perform daily/weekly assigned task which include Pre & Post trip verifications , retrieving voicemail messages and faxes, process Physician Certification and Out of Area forms, hospital discharges and transfers.

• Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
• Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
• Created and completed loan submission packages.
• Managed conditions sent from underwriting departments.
• Maintained complete confidentiality of submitted information according to release guidelines.
• Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
• Work closely with various Bond/DAP programs.

Completed closing process by collaborating with attorneys, title companies and government clerks.

• Analyzed applicants’ financial status , credit and property evaluation to determine feasibility of granting a loan.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
• Provided expert financial advice on mortgage loans.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Recognized by management for providing exceptional customer service.
• Provided excellent service and attention to customers when face-to-face or through phone conversations.
• Improved operations by working with team members and customers to find workable solutions.
• Worked closely with various Bond/DAP programs.
• Provided assistance through final closing department and title company,
• Provided assistance to Post Closing once loan was in for review with investors for purchase.

• Obtained and reviewed all necessary documents from client to prepare loan for underwriting review.
• Communicated with customers in person and via telephone to answer questions regarding process transactions.
• Discussed loan needs and financial histories with clients and conveyed information regarding loan approval process.
• Managed and reviewed all conditions sent from clients once loan approval is issued.
• Worked with third-party vendors to address and clear loan closing requirements.
• Worked closely with various Bond/DAP programs (examples: MMP, DC Open Doors/ HPAP/EAHP, Montgomery HOC/DE Bond/ USDA/Baltimore City Grants)
• Provided assistance through final closing stages with closing department and title companies.
• Offered assistance to Post Closing once loan was in for review with investors for purchase.

• Analyzed applicants’ financial status, credit and property evaluation to determine feasibility of granting loan.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Executed loan origination process , including ordering credit reports, appraisals and preliminary title reports.
• Provided expert financial advice on mortgage loans.
• Educated customers on variety of loan products and available credit options to promote valuable decision making.
• Recognized by Management for providing exceptional customer service.
• Provided excellent service and attention to customers when face-to-face or through phone conversations.
• Worked closely with various Bond/DAP Programs,